X Financial (XYF) Return on Invested Capital [ROIC] (2019 - 2026)
X Financial (XYF) posted Return on Invested Capital [ROIC] of 8.64% for Q2 2026, down 19.70 percentage points from 28.34% a year earlier and down 5.75 percentage points from the prior quarter.
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Analysis
X Financial (XYF) Return on Invested Capital [ROIC] (2019 - 2026) Analysis & Trends
For FY2025, X Financial's Return on Invested Capital [ROIC] came in at 20.99%, down 6.21 percentage points from FY2024.
- Annual Return on Invested Capital [ROIC] shows a five-year change of +40.74 percentage points (FY2020 to FY2025).
- In prior years, X Financial's Return on Invested Capital [ROIC] was 27.21% in FY2024 (+6.46 pp), 20.75% in FY2023 (-2.05 pp), 22.80% in FY2022 (-10.40 pp) and 33.20% in FY2021 (+52.95 pp).
- The Q2 2026 figure stands as the lowest quarterly Return on Invested Capital [ROIC] since Q4 2020.
- On a year-over-year basis, Return on Invested Capital [ROIC] has declined in each of the last three quarters, with an average year-over-year change of -3.39 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Return on Invested Capital [ROIC] in the past five years was Q3 2021, with a gain of 59.52 percentage points; the weakest was Q3 2022, with a drop of 22.62 percentage points.
- According to Business Quant data, Return on Invested Capital [ROIC] for the three prior quarters was 14.39% (Q1 2026), 19.29% (Q4 2025) and 25.48% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 49.15 Bn | 7.38 Bn | - | 15.87% |
| 2 | Block | 45.94 Bn | 17.20 Bn | 3.17 Bn | 2.00% |
| 3 | Coinbase Global | 43.38 Bn | 184.17 Mn | - | 2.41% |
| 4 | Corpay | 26.82 Bn | 17.02 Bn | - | 10.74% |
| 5 | Fiserv | 26.51 Bn | 23.21 Bn | 2.90 Bn | 7.03% |
| 6 | Global Payments | 22.01 Bn | 453.00 Mn | 2.03 Bn | 2.32% |
| 7 | Iren | 18.95 Bn | 6.55 Bn | 103.89 Mn | - |
| 8 | Guidewire Software | 15.50 Bn | 12.06 Bn | 269.68 Mn | 6.58% |
| 9 | Bitmine Immersion Technologies | 12.97 Bn | 10.35 Bn | 40.81 Mn | - |
| 10 | X Financial | 378.36 Mn | -1.11 Bn | 84.09 Mn | 8.62% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 8.62% |
| Mar 31, 2026 | 14.27% |
| Dec 31, 2025 | 19.11% |
| Sep 30, 2025 | 25.41% |
| Jun 30, 2025 | 28.34% |
| Mar 31, 2025 | 27.27% |
| Dec 31, 2024 | 25.50% |
| Sep 30, 2024 | 22.14% |
| Jun 30, 2024 | 22.20% |
| Mar 31, 2024 | 22.89% |
| Dec 31, 2023 | 22.80% |
| Sep 30, 2023 | 24.21% |
| Jun 30, 2023 | 23.15% |
| Mar 31, 2023 | 21.05% |
| Dec 31, 2022 | 24.24% |
| Sep 30, 2022 | 26.37% |
| Jun 30, 2022 | 28.94% |
| Mar 31, 2022 | 31.95% |
| Dec 31, 2021 | 31.83% |
| Sep 30, 2021 | 48.32% |
API Access
X Financial Return on Invested Capital [ROIC] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-invested-capital-%5Broic%5D&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();